Loan programs · South Carolina
Non-QM loan officers in South Carolina
As of 2026-10-10, LenDb lists 74 loan officers licensed in or based in South Carolina whose lender pages show Non-QM loan work. The top-ranked are Tammy Frith (CrossCountry Mortgage, Destin), Archie E. Vetter (Neighborhood Loans) and Steve Klarman (CrossCountry Mortgage, Aiken). Ranking is lender-neutral: specialty evidence first, then a license in SC, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 25
- 1
Tammy FrithNMLS 190264
CrossCountry Mortgage · Destin, FL · licensed in 5 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: December 11, 2017 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-09)
- 2
Archie E. VetterNMLS 203614
Neighborhood Loans · licensed in 20 states
- Non-QM loan
- FHA loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-10)
- Earliest state license record: November 13, 2020 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-10)
- 3
Steve KlarmanNMLS 1559209
CrossCountry Mortgage · Aiken, SC · licensed in 5 states
- Non-QM loan
- VA loan
- FHA loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Aiken, SC
- Earliest state license record: November 4, 2025 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 4
Karen ChiuNMLS 611778
CrossCountry Mortgage · San Gabriel, CA · licensed in 21 states
- Non-QM loan
- Condo
- First-time buyer
- New construction
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: June 1, 2020 (Colorado), per state regulator
- 5
Shannon OdomNMLS 509649
LeaderOne Financial · Bangor, ME · licensed in 13 states
- Non-QM loan
- FHA loan
- USDA loan
- VA loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: June 16, 2021 (Florida), per state regulator
- 6
Chad GoetzNMLS 5128
CrossCountry Mortgage · Salem, NH · licensed in 7 states
- Non-QM loan
- Jumbo loan
- VA loan
- FHA loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: August 17, 2016 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 7
Andrew MarquisNMLS 29861
CrossCountry Mortgage · Lexington, MA · licensed in 25 states
- Non-QM loan
- Jumbo loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: January 15, 2020 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-09)
- 8
Patrick StoyNMLS 39527
CrossCountry Mortgage · Wilmington, NC · licensed in 9 states
- Non-QM loan
- Real estate investor
- Reverse mortgage
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 9, 2022 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 9
Angie Gora VincentNMLS 103294
CrossCountry Mortgage · Bethlehem, GA · licensed in 4 states
- Non-QM loan
- Renovation loan (203k / HomeStyle)
- VA loan
- FHA loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: February 5, 2020 (Florida), per state regulator
- States 30 years of experience (lender page, 2026-10-09)
- 10
Sandra SmithNMLS 200651
CrossCountry Mortgage · Alpharetta, GA · licensed in 7 states
- Non-QM loan
- Jumbo loan
- FHA loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: June 29, 2011 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 11
Ubaldo V Leon IIINMLS 304012
CrossCountry Mortgage · Lewisville, TX · licensed in 14 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- VA loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: May 17, 2023 (Florida), per state regulator
- States 22 years of experience (lender page, 2026-10-09)
- 12
Kevin GizaNMLS 436859
CrossCountry Mortgage · Pittsburgh, PA · licensed in 4 states
- Non-QM loan
- Condo
- Jumbo loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: June 27, 2021 (Florida), per state regulator
- States 20 years of experience (lender page, 2026-10-09)
- 13
Kate RedmanNMLS 880676
CrossCountry Mortgage · Evans, GA · licensed in 6 states
- Non-QM loan
- FHA loan
- VA loan
- Construction loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 19, 2018 (Florida), per state regulator
- States 25 years of experience (lender page, 2026-10-09)
- 14
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: December 4, 2023 (Florida), per state regulator
- States 28 years of experience (lender page, 2026-10-09)
- 15
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 36 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- First-time buyer
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: July 14, 2007 (Colorado), per state regulator
- 16
Scott PhillipsNMLS 181137
First Heritage Mortgage · licensed in 9 states
- Non-QM loan
- New construction
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: March 1, 2024 (Florida), per state regulator
- 17
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 22, 2010 (Florida), per state regulator
- 18
Travis BlaytonNMLS 1493984
CrossCountry Mortgage · Florence, SC · licensed in 4 states
- Non-QM loan
- Condo
- Jumbo loan
- Real estate investor
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Office in Florence, SC
- States 10 years of experience (lender page, 2026-10-09)
- 19
Emily CostinNMLS 1049056
CrossCountry Mortgage · Wilmington, NC · licensed in 2 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- States 15 years of experience (lender page, 2026-10-09)
- 20
Joshua UlmerNMLS 217794
CrossCountry Mortgage · Tequesta, FL · licensed in 7 states
- Non-QM loan
- VA loan
- FHA loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: October 7, 2011 (Florida), per state regulator
- 21
Steve FurdockNMLS 376017
Lit Financial Corporation · licensed in 12 states
- Non-QM loan
- Bank statement loan
- DSCR loan
- Jumbo loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: April 7, 2011 (Florida), per state regulator
- 22
Maggie MikaitisNMLS 1395394
CrossCountry Mortgage · Chicago, IL · licensed in 36 states
- Non-QM loan
- Condo
- Real estate investor
- Jumbo loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: November 1, 2018 (Florida), per state regulator
- States 13 years of experience (lender page, 2026-10-09)
- 23
Sam McMullenNMLS 1605300
CrossCountry Mortgage · Brentwood, TN · licensed in 15 states
- Non-QM loan
- VA loan
- First-time buyer
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: April 20, 2017 (Colorado), per state regulator
- States 13 years of experience (lender page, 2026-10-09)
- 24
Dan GjeldumNMLS 686529
CrossCountry Mortgage · Hinsdale, IL · licensed in 43 states
- Non-QM loan
- Jumbo loan
- VA loan
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: July 24, 2014 (Florida), per state regulator
- 25
Frank SanchezNMLS 2290099
Barrett Financial Group · Mortgage broker · Katy, TX · licensed in 11 states
- Non-QM loan
- FHA loan
- Jumbo loan
- Reverse mortgage
- SC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Earliest state license record: June 9, 2026 (Florida), per state regulator
Before you choose
Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.
- Which non-QM investors do you work with?
- Why does my situation need non-QM rather than an agency loan?
- Is there a prepayment penalty, and can I refinance later?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a SC license is confirmed with the state regulator (check mark), SC is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (the earliest state license record in the regulator rosters we hold, or years the loan officer states) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=non-qm&state=SC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.